Personal Finance Canada, Advice, Trends, Tips – News, Financial Post, personal finance education.#Personal #finance #education


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How not to destroy your credit score during the holidays

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Why it s time to rethink the outdated, unfair RRSP contribution limit

Pessimistic couple with $1.58 million in net worth certain they re on brink of financial disaster

Face it, the sun has set on the golden days: How to survive the ‘new’ retirement

Capping credit card fees would cap benefits to Canadians

Cancellation of 10-storey Toronto condo tower throws buyers back into pricey market

Secrets of the super rich: Forget the toys, what the wealthy really crave is power

Vancouver warns owners of empty homes to fill out new declaration forms, or face stiff fines

Home building ticks higher in Canada as more city high-rises break ground

Relief ahead for Vancouver s tight housing market by late 2018, experts say

Paradise Papers leak spurs EU to consider tax havens blacklist

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Attention first homebuyers: Will you pass the NEW mortgage stress test?

Bitter pill of major investment loss puts family s retirement plan in a big hole

The trouble with capital gains taxes, and why we re likely still stuck with them

It’s the worst tax: Other countries are eliminating it and Canada should, too

Identity theft alert: How mortgage fraudsters left this Canadian with a bank lien on her $1M+plus property

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Stephen Bronfman says he followed offshore tax rules as CRA reviews Paradise Papers

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Small business owners are facing a ‘triple whammy’ that could wipe out the value of their life s work. Here s an example

Facing an uneven legal playing field? The court can order your wealthy spouse to pay your costs

Couple s aversion to financial assets that pay interest will be fatal to their retirement dreams

Ottawa accused of new tax grab after disability tax credit clawback hits those with mental illness

Personal finance education

One last gasp for the residential market as rule changes cloud 2018

Understanding the new Canada Child Benefit and other tax tips for parents

We have 750 billion reasons to discuss inheritance with our children

One in three Canadians already feeling the pinch on finances from rising interest rates: poll

Seniors in Canada are racking up debt faster than the rest of the population

Single woman in late 50s worries that with no company pension, her savings won’t cover her retirement

What Canadians need to know about the IRS’ potential crackdown on foreign property owners

Canada s proposed tax changes are casting entrepreneurs as the bad guys, and that s bad news for the economy

Personal finance education

Montreal homes are selling faster with sales and prices up 7%

Investment queen: a look at Elizabeth II s fortune and taxes

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Sharp rebound in Toronto home sales signals market may have hit bottom

Foreign buyers appear to be inching back into Vancouver’s housing market

Rise of real estate tycoons: Billionaires keep bubbling up in China s soaring property market

Identity theft alert: How 77,000 Canadians lost $99 million last year in extortion, phishing and romance scams

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Student Finance Wales, finance education.#Finance #education


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Thinking about applying for a full-time or part-time undergraduate course for academic year 2018/19?

Find out what financial support may be available to you.

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Parents – watch our new film series now!

Our experts are here to tell you everything you need to know about student finance for 2018/19.

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Starting a postgraduate Master’s course in academic year 2017/18?

Apply for a Postgraduate Loan now!

Thinking about applying for a full-time or part-time undergraduate course for academic year 2018/19?

Find out what financial support may be available to you.

Parents – watch our new film series now!

Our experts are here to tell you everything you need to know about student finance for 2018/19.

Starting a postgraduate Master’s course in academic year 2017/18?

Apply for a Postgraduate Loan now!

Stay safe online

Watch our ‘Phishing’ video to find out more.

Welcome to the Student Finance Wales website

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Welcome. We hope you find the site informative and easy to use, you can also check out our Facebook and Twitter pages. For regular updates like us on Facebook, follow us on Twitter and watch our films on YouTube.

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Online declaration

If you applied online, you must sign and return the online declaration we sent you. You won’t be paid any grants or loans until we’ve received your signed declaration and you’ve registered at university or college.

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Questions about repayment?

Visit our repayment quick start guide for everything you need to know about how and when to repay your loan, how much you’ll repay and what interest is applied.

Getting paid

Before the start of term you’ll want to make sure that you get your money on time. Watch our video to find out more.

  • Postgraduate Loan for Master’s degrees
  • 2017/18 – what student finance is available for new full-time students
  • 2017/18 – what student finance is available for continuing full-time students?
  • 2017/18 – what student finance is available for new part-time students?
  • 2017/18 – what student finance is available for continuing part-time students?
  • Grant and Loan Overpayments
  • The maximum tuition fee in Wales in 2018/19 will remain at 9,000– 19/10/2017
  • Get your payment on time! What you need to know– 07/09/2017
  • Going through Clearing? Sort out your student finance– 17/08/2017
  • Part-time students – it’s time to apply for student finance!– 10/07/2017

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50 Personal Finance Habits Everyone Should Follow – Len Penzo dot Com, personal finance education.#Personal #finance #education


50 Personal Finance Habits Everyone Should Follow

Personal finance educationI have a lot of bad habits. For example, I tend to bite my nails when I get stressed out. I also have a penchant for opening the cupboard to get a drinking glass then walking away and leaving the door wide open. I know. I can t explain it either, but it drives the Honeybee absolutely bonkers every time I do it.

Even so, I like to remind her that I have a lot of good habits too; perhaps not coincidentally, many of them are related to personal finance.

Hopefully, you have a lot of good personal finance habits too. How many of these apply to you?

1. Taking advantage of your employer s flexible spending account. These accounts not only reduce your tax liability, but they also act as a de facto quasi-savings plan.

2. Tracking your income and expenses.

3. Being careful not to overspend on gifts.

4. Paying attention to mortgage interest rates even after you buy a home. People who fail to do this may miss out on refinance opportunities that could save them tens of thousands of dollars over the life of their loan.

5. Never buying anything on impulse. One of the best ways to help prevent this is to make a shopping list and then stick to it.

6. Opening your bills when you get them.

7. Paying your bills online when possible.

9. Ignoring credit card convenience checks that come in the mail. They usually come with high fees that make them extremely expensive.

10. Saving part of your income for retirement. Try saving at least 10% from every paycheck; it s never too late to start.

11. Keeping the money in your wallet to a minimum.

12. Spending less than you earn every month. File this one under D for Duh!

13. Having an exit strategy when investing. Without one, it is tough to recognize the right time to cut your losses or take profits off the table.

14. Never assuming past performance guarantees future results.

15. Taking advantage of automatic paycheck deductions. Not only does it ensure you pay yourself first, it s an easy and painless way to save for retirement.

16. Reading all contracts before signing on the dotted line.

17. Planning your dinner menus in advance. We do this at my house because it s an extremely effective way to reduce our monthly food expenses.

18. Reviewing your credit card statements for errors and erroneous charges.

19. Keeping a budget. Because for most folks, when it comes to managing their money, failing to plan is the same as planning to fail.

20. Faithfully following your budget. It s one thing to create a budget, but if you don t have the discipline to put it into action, why bother?

21. Increasing your 401(k) contributions every time you get a raise.

22. Properly maintaining your car. By following your car s maintenance schedule and paying a little up front, you ll reduce the risk of encountering more costly major issues down the road.

23. Paying the bills on time. By doing so you ll avoid spending money on needless late fees.

24. Taking advantage of coupons and internet promotional codes as often as possible.

25. Refusing to pay the minimum on your credit card bills each month. Here s a credit card fact: making minimum payments each month will ensure you pay the maximum interest.

26. Using your credit card to buy things only if you can pay it off in full at the end of each month.

27. Leveraging good debt to purchase things that have the possibility of increasing in value, or providing a path to a higher income in the future.

28. Never hoping for an inheritance to solve your money problems.

29. Avoiding the use of payday loans to cover temporary financial shortfalls. Eliminate monthly shortfalls by following a budget and maintaining an emergency fund.

30. Not relying on Social Security as your primary source of retirement income.

31. Avoiding the lottery. There is a reason why the lottery is known as the Stupid Tax.

32. Setting, and then regularly reviewing and updating your savings goals.

33. Never overpaying for insurance. For example, why pay the higher auto insurance premiums for low deductibles if you rarely make claims?

34. Resiting the urge to float checks right before payday. Today, faster bank processing makes this practice much more risky than it used to be.

35. Fully understanding stocks and other financial instruments before investing in them.

36. Avoiding cigarettes. This expensive habit is one of the Four Horsemen of personal finance.

37. Avoiding wasted time clipping coupons you ll never use.

38. Ignoring the temptation to keep up with the Joneses.

39. Buying a new car or better yet, a newer used car and keeping it for at least ten years. Buying new cars is costly because they can lose upwards of half their value by the time they are three years old.

40. Remembering to comparison shop whenever possible.

41. Regularly checking your credit report for errors, signs of fraud and identity theft. You re entitled to a free credit report from Experian, TransUnion, and Equifax every 12 months that means with proper planning you can actually get an update every four months!

42. Optimizing your 401(k) account every year. Diversifying and balancing your allocations will minimize your losses in the event of a major market downturn.

43. Negotiating whenever the opportunity presents itself.

44. Ensuring your retirement needs are taken care of prior to providing for your children s future. What good is saving for the kids college education if you ll be eating cat food in your golden years?

45. Avoiding frugality as a means to achieve prosperity. You can only free up so much money by cutting expenses.

47. Maintaining an emergency fund. Everyone should have between three and six months of living expenses in the bank.

48. Resisting the urge to tap your emergency fund for non-emergencies.

49. Avoiding interest payments whenever possible.

50. Treating your household like a business. By taking an active role in managing your finances and looking at ways to maximize your income you ll ensure a brighter financial future for you and your family. Who knows; maybe you ll even stop biting your nails.


Mint: Personal Finance – Money on the App Store, personal finance education.#Personal #finance #education


Mint:Personal Finance Money

This app is only available on the App Store for iOS devices.

Mint is the free, effortless way to manage your money in one place.

Get a more complete picture of your financial life. We bring together everything from account balances and spending to your free credit score, net worth and more.

Track and pay bills right alongside your account balances. You’ll know what’s due, when it’s due, and what you can pay. (Note: bill pay available for phone and desktop.)

With one place to keep track of your finances, there’s no need to log into multiple sites. Plus, we’ll give you savings tips to help with budgeting and debt.

Effortlessly create budgets you can stick to. To help you save smarter from day one, we even make a few for you based on your spending.

Get your free credit score, no credit card required. You’ll learn how it’s calculated and get tips.*

Get bill pay reminders so you pay bills on time. Schedule payments on the spot or for later, and say so long to missed payments and credit card fees.

We’re serious about security and use measures like multi-factor authentication, designed to help you protect access to your account. Plus, Mint comes from the people who make TurboTax®, trusted by millions with sensitive data, and we participate in security scanning with VeriSign.

Mint’s great on the go, but you can also use the desktop version at Mint.com. Sync your bank accounts, credit cards, budgeting, spending and more across your devices. You can even export spreadsheets from the web, and more.

Time Magazine: The 50 Best Apps of the Year (2016)

PC Magazine: What to Do When You Go Over Budget in Mint.com (2016)

Nerd Wallet: Financial Fitness – 7 Exercises to Build your Credit Muscle (2016)

Huffington Post: 5 Things To Know After You Graduate (2016)

Tech Times: Save Money in 2015: Here are the Best Money Management Apps (2015)

Kiplinger’s: 10 Great Saving Money-Saving Apps (2014)

Money Magazine: Best Finance Tool For Budgeting (2014)

Wired: The Best Apps for Budgeting Your Cash (2014)

Mint is part of a suite of financial tools that includes TurboTax®, QuickBooks®, QuickBooks Self-Employed™ and ProConnect™. Wherever you are in life, whatever you do, Intuit can help you save money and simplify the business of life.

To learn how Intuit works to protect your privacy, please visit

What’s New in Version 5.19.2

[+] Optimized for iPhone X and iOS 11 including Face ID

Please let us know what you love and what we can make even better at: [email protected]

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Customer Reviews

Excellent tracking record

MINT has been a great resource for our financial accounts. It has notified us of charges on our accounts. It has notified us of changes to interest being charged by a Bank or card. It has been terrific at posting deposits although at times it thinks a charge is money coming in, but the upside it makes us check on transaction which just takes a moment. Their IT has been great at emailing us when we have an issue and help us get done what we need to update our account. Really like this app and do recommend it to friends and family.

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This app SEEMS like a great tool until you realize your account didn’t sync for the 5th time this month and you missed your bill.

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Update: 5.19.2 finally squashed this bugger. Thanks Mint!

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Black Enterprise – Your #1 Resource for Black Entrepreneurs, Professionals and Small Businesses, finance education.#Finance #education


Study: 11 Percent of African Americans Hope Lottery Wins Will Pay for Kids’ College

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Baltimore May Sell Homes for $1 to Revive Neglected Neighborhoods

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Monday Motivation: How To Keep Going, From A 102-Year-Old Runner

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The Road to $1.5 Trillion in Black Buying Power and Dispelling a Common Myth

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45 Black Corporate Directors Who Power the Tech Industry

We have decided to share with you the segment of corporate directors with oversight of

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Black Billionaire’s Investment Firm Buys Leading IT Services Company

Vista Equity Partners, one of the world’s most successful investment firms founded by black billionaire

Small Business

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His Invention, The Cut Buddy, Keep Edges Looking So Sharp, Daymond John Just Invested In It

Cut Buddy CEO and BE Modern Man Joshua Esnard pitched his unique grooming tool on

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D.C. Investor Launches Project 500 to Help Entrepreneurs Scale their Companies

Project 500, a business-development program, is helping D.C. businesses scale their revenue, staff, and investment

Your Career

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27 Things White People Should Never, Ever Say to Their Black Co-Workers

We asked our audience to post across Black Enterprise’s social media accounts things white people

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5 Success Strategies from the Most Powerful Man in Tech

During our recent Silicon Valley-based TechConneXt Summit 3.0, I gained the rare opportunity to interview

How To

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Password Protect Your Flash Drive In Two Simple Steps

Flash drives, thumb drives, USB sticks: whatever you want to call them, they re more than

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Black Female Voice Actor on How to Break into the Lucrative Voice-Over Business

The secret society [of the voice-over business] is due in part because it s a career

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$52 Million Lottery Winner s Plans to Rebuild Historic Black Community

Lottery winner Miguel Pilgram is committed to reviving Sistrunk BLVD, a notorious corridor in downtown

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Will.i.am Raises $117 Million to Scale A.I. Platform Omega

The I.am+ product, Omega is a voice-first A.I. platform that delivers natural and engaging user

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Cowboy Wholesale will market Raycon products through its global logistics and distribution channels, leaving Ray


SD Department of Education, finance education.#Finance #education


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    • View more links for parents.

    Headlines

    The School Finance Accountability Board will meet Nov. 16-17 to consider waiver applications related to teacher compensation accountabilities. Districts that missed one or both accountabilities received a letter from the department with information regarding the process for seeking a waiver from financial penalties.

    Read about South Dakota’s new State Teacher of the Year, Rachel Schaefer, in this month’s Online Zebra!

    The Aspen Institute College Excellence Program today named Mitchell Technical Institute and Southeast Technical Institute among the nation’s top 150 community colleges eligible to compete for the Aspen Prize for Community College Excellence and $1 million in prize funds, as well as the Siemens Technical Scholars Program student scholarships. The schools were selected from a pool of nearly 1,000 public two-year colleges.

    The Department of Education announces a new tool for educators to help in establishing and maintaining meaningful, trusting relationships with parents and families: The South Dakota Guide to Inspiring Partnerships Between Home and School.

    Upcoming Events

    Nov. 15 Individual Health Plans: Practical Ideas and Legal

    Nov. 16-17 School Finance Accountability Board Meeting, Pierre

    Nov. 20 Board of Education Standards meeting, Sioux Falls

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  • Mint: Money Manager, Bills, Credit Score & Budgeting, personal finance education.#Personal #finance #education


    How do you measure up?

    The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

    How do you measure up?

    The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

    How do you measure up?

    The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

    Budgets? You betcha

    Easily create budgets, and see our suggestions based on your spending.

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    Bills? Done

    Track and pay bills like never before. Get alerts and schedule payments on the spot.

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    Credit score? Checked

    Find out yours for free and get tips to help improve it, no credit card required.

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    It’s all coming together

    When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

    It’s all coming together

    When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

    It’s all coming together

    When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

    Budgets? You betcha

    Easily create budgets, and see our suggestions based on your spending.

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    Bills? Done

    Track and pay bills like never before. Get alerts and schedule payments on the spot.

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    Credit score? Checked

    Find out yours for free and get tips to help improve it, no credit card required.

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    It’s all coming together

    Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

    It’s all coming together

    Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

    It’s all coming together

    Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

    Budget? You betcha

    Easily create budgets, and see our suggestions based on your spending.

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    Bills? Done

    Track and pay bills like never before. Get alerts and schedule payments on the spot.

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    • Mint comes from the makers of TurboTax®, trusted by millions every year with their most sensitive data.

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    My Money Blog, personal finance education.#Personal #finance #education


    My Money Blog

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    If you have young children and like to travel, you likely appreciate a lightweight stroller that still retains those small-but-important features.* After trying out several different brands, our family favorite is the ZOE XL2 double stroller (see 600+ reviews, buy direct from ZOE as a third-party seller). They aren t a big name brand and you won t find them in any major big box retailer.

    This double stroller weighs only 16 pounds and the single stroller only weighs 10 pounds. That means this double stroller is lighter than many single strollers. How? They made it from aluminum as opposed to steel. Meanwhile, it still has quick-folding capability, extended shade canopies, 135 degree recline, lower basket, and snack/cup holders.

    We ve taken the ZOE XL2 on multiple extended international trips and the weight savings makes a big difference. It can be hard to explain until you compare it side-by-side with strollers that call themselves lightweight yet are twice as heavy. Weigh your current stroller and compare! Both of us can carry the XL2 with one hand.

    There are also cheap umbrella double strollers, but they lack the extended shade canopies and/or deeper recline that allows for easier naps in the stroller.

    Our only warning is to keep the removable cupholders in your carry-on bags if you don t use a gate check bag. (We also recommend a gate check bag for protection. Yes, it ll get beaten up and probably torn after about 10 flights. I think of it as paying less than $2 per flight. Besides, would you rather have the abuse be inflicted directly upon your stroller?)

    Right now ZOE is liquidating their stock of returned and open-box strollers. The prices and discounts vary, but as of this writing you can get the XL1 for $100 and XL2 for $190. They promise it to be like new and never taken outside. This is not a sponsored or paid post, we are simply happy customers and they announced this sale to their mailing list members.

    * I m not saying this stroller is only for travelers as it is our daily driver as well, but it does cost more than some other value brands. A few more pounds matters less when you re not carrying it through airports and pushing it 10 miles a day up and down hills.

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    JetBlue Plus Credit Card: 60,000 Point Limited Time Offer

    Personal finance education

    The JetBlue Plus credit card by Barclaycard has a new special offer for 60,000 bonus TrueBlue points after spending $1,000 on purchases in the first 90 days. Valid for first-time cardmembers. Expires 12/31/17. This is the double the standard offer of 30,000 bonus points and also higher than previous bump-ups to 40,000 points. Highlights:

    • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
    • No blackout dates on JetBlue-operated flights redeem for any seat, any time on JetBlue flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
    • First checked bag is free on JetBlue-operated flights.
    • Points awarded in your TrueBlue account don t expire.
    • Earn and share points together with Family Pooling.
    • Earn 5,000 bonus points every year after your account anniversary.
    • 50% savings on eligible inflight purchases including cocktails, food and movies.
    • Enjoy Mosaic benefits for one year after you spend $50,000 or more on purchases after your anniversary date.
    • Get 10% of your points back every time you redeem to use toward your next redemption.
    • Get a $100 statement credit after you purchase a JetBlue Getaways vacation package of $100 or more with your JetBlue Plus Card.
    • $99 annual fee.

    Free checked baggage perk can be valued at $25 to $35 each-way, per person. The free checked bag perk applies to you and up to 3 travel companions on the same reservation when (1) the ticket is purchased with your JetBlue Plus card, (2) the primary cardmember s TrueBlue member number must be entered at the time of booking. If you buy higher fare classes, a certain number of complimentary bags may already be included. Here is a chart of JetBlue s baggage fees:

    Personal finance education

    How does redeeming TrueBlue points work? TrueBlue works on a revenue-based system, where the points required depends on the current cash cost of the flight (with no blackout dates). If they sell it for cash, you can book it with points. This is opposed to traditional chart-based systems that charge a fixed point balance but imposes blackout dates and limited seat availability.

    TrueBlue points are best redeemed for JetBlue flights. There are some other options like newspaper or magazine subscriptions, but I won t cover them here.

    TrueBlue points can be estimated at 1 points = 1.4 cents. Ex. 30,000 points would cover $420 in JetBlue airfare. The exact value may vary, but 1.4 cents is very close to what I found across Blue, Blue Plus, and Blue Flex fares. You can easily test it out yourself by pricing out the same flight on JetBlue.com using points or cash.

    This means 2X points back on restaurants and groceries can be estimated as 2.8% back in the form of TrueBlue airfare. The 3X points back on Jetlue-operated flights can be 4.2% back in the form of TrueBlue airfare. The 6X points back with the Plus card on Jetlue-operated flights can be 8.4% back in the form of TrueBlue airfare.

    Upon the renewal of your $99 annual fee, you get another 5,000 TrueBlue points ($70 of airfare value at 1.4 cents/point). If you can take advantage of the free checked bag perk, there is definitely ongoing value for regular JetBlue fliers. I haven t investigated the $100 off a JetBlue Vacations package, but it could be worth something as well.

    Bottom line. At 1.4 cents per TrueBlue point, 60,000 bonus points can be valued at $840 towards JetBlue fares. Add the baggage perk which you could value at an additional $50 per roundtrip Blue fare, per person. Minus the $99 annual fee, and that is still a very solid sign-up incentive for even casual JetBlue customers. If you are a frequent JetBlue flier, the 5,000 point anniversary bonus and other perks can create additional ongoing value.


    MIT Press Journals – Education Finance and Policy #motor #finance #corporation


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    Ongoing public policy developments affecting educational institutions and systems present education policy makers, administrators, and researchers with new global challenges and opportunities. To aid in the deliberations, and help frame the intellectual discourse on education policy and practice, Education Finance and Policy promotes understanding of the means by which global resources can be justly generated and productively engaged to enhance human learning at all levels.

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    US schools get failing grade for financial literacy education #first #step #finance


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    US schools get failing grade for financial literacy education

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    All three states made financial education mandatory after 2000 and previously had not required it in high schools.

    According to Finra, credit scores were most improved among graduates from Idaho, Georgia and Texas who took financial education classes in the second and third years following mandate implementation, when coursework was better integrated into the academic curriculum.

    Credit scores are a three-digit number derived from detailed information on an individual’s payment history. Lenders use that number to determine how likely borrowers are to default on their loan. The higher the score, the less interest a borrower will have to pay on home, car and private student loans.

    Credit scores for those individuals in Georgia jumped nearly 11 points, or 1.8 percent, compared to average credit scores prior to the mandate, while young adults from Idaho increased their credit scores by 16 points, or 2.6 percent. Those in Texas raised their credit rating by 32 points, for a 5.2 percent gain.

    J. Michael Collins, co-author of the Finra report and professor of consumer finance for the University of Wisconsin-Madison Center for Financial Security, said credit scores jumped to 629 from 612 in Georgia, while scores increased to 629 from 617 in Texas and to 640 from 632 in Idaho.

    Students, he said, develop better credit behaviors in early adulthood in states where personal finance is a formal course, when teachers are trained and students are held accountable for meeting learning objectives.

    Finra’s study also found that personal finance education lowers the probability of falling 90 or more days behind on future credit accounts, especially for students who took required classes in economics or personal finance after the first-year mandates were adopted.

    In Idaho, for example, former students saw delinquency rates drop by 1.9 percentage points in young adulthood, relative to their peers in neighboring states where financial education is neither taught nor required, representing a decrease of 15.6 percent.

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    Those in Georgia posted a 1.8 percentage point decrease, equivalent to a 9.9 percent drop, and individuals in Texas had delinquency rates that were 5.8 percentage points lower, a nearly 33 percent decrease.

    “Young people more often struggle to pay bills and manage money,” said Collins, noting that that demographic experiences low levels of financial literacy and is prone to expensive credit behaviors, such as using payday loans and carrying a balance on high-interest credit cards. “They have higher credit defaults and delinquencies, and they make more money mistakes.”

    Those who graduate under higher standards, however, are more likely to make on-time payments and keep up with their bills, and they understand how to manage those obligations better than students who were not exposed to personal finance and economics in school, the data show.

    Apart from age and inexperience, adolescents in the U.S. lack basic personal finance skills because they receive little coaching at home, said Morrison of the Council for Economic Education. That sets them up for failure in the years immediately following high school graduation.

    U.S. lacks money know-how

    Indeed, a 2012 study of nearly 30,000 teenagers from 18 countries found more than 1 in 6 students in the U.S. failed to reach the baseline level of proficiency in financial literacy, according to the Paris-based Organisation for Economic Co-operation and Development.

    Overall, American students fall in the middle of the pack globally, performing on average just behind Latvia and just ahead of Russia, the OECD data show.

    “Exposure is everything,” Morrison said. “When you learn good habits, you tend to have better outcomes.”

    Financial education classes offered in the K–12 setting don’t delve into complex concepts, she said. Instead, they teach students practical life skills, like how to balance a checkbook, the effect of interest rates and how investments can benefit from compounded growth.

    “These classes are designed to demystify money management; to give students a basic vocabulary to make good choices,” said Morrison. “To be successful, most kids don’t need to learn about collateralized debt instruments, but they do need to know how to open a bank account, how much they need to save each month to reach their goals and, if they borrow this amount of money, how much money they will need to earn to pay it back.”

    — By Shelly Schwartz, special to CNBC.com